the right sort of international healthcare insurance policy can be influenced
by a range of factors – we examine just a few for you to consider.
In order to determine the right international healthcare insurance, you need to
assess your concerns and priorities as far as healthcare is concerned.
Different insurance companies offer different levels of coverage.
What is covered?
The main healthcare levels of coverage are usually: Maternity, Dental,
Outpatient, and Hospitalisation cover. A healthcare plan with hospitalisation
only will cater for major risks such as surgery, diseases, or accidents, that
leave you hospitalised. This is the most significant level of healthcare plan,
as it provides a way to cover for the typically expensive cost of hospitalisation.
Generally, you’ll be provided with the Outpatient International Healthcare
Insurance plan as an option. This will enable you to go and visit doctors
(Specialists, GPs, and for prescribed medication). You may not need a
healthcare insurance plan if the outpatient benefits in your country provide
low cost visits to the doctors.
Several international healthcare insurance plans also offer dental care as an
option. This usually comes with a waiting period before you can start enjoying
the dental coverage. There are some healthcare plans that cover major dental
treatment as well. Usually, healthcare insurance plans that include orthodontic
cover are the most expensive, which goes to show how expensive they are.
Maternity cover, on the other hand, is quite different and a policy
qualification period of between three and twelve months is often included. This
level of cover can significantly increase your healthcare premiums so careful
consideration should be made about whether or not it is necessary.
Determine your priorities
Figure out whether you want the most cost effective healthcare plan, or the
best offer in your range. Relatively inexpensive insurance plans should cover hospitalisation,
at the very least. But flexibility may also come in handy when choosing the
right international healthcare insurance plan. A healthcare plan that includes
dental or outpatient cover will provide more alternatives should you find
yourself in an overseas country. For instance, expatriate doctor fees are
usually higher as compared to local doctor fees. An insurance plan that
includes outpatient cover will enable you to consult any doctor you want freely
from any medical facility.
Compare the International healthcare insurance plans
Enquire for a healthcare insurance quote (which is usually free), and compare
the available plans. When deciding over a wide range of international
healthcare insurance plans, you may need to determine how much travel you are
likely to do and how many different countries you will visit. A suitable
insurance plan will enable you to move from one country to the other without
having to reapply.
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